At one point in my life, I needed to freeze my credit report because I was tired of worrying about it all the time. If you freeze your credit report, nobody can pull credit on you. And why do you even need credit anyway? Well – some of us do! But when you own your cars, own your home, etc… and don’t need to borrow further, put it on freeze and don’t worry about it. You’ll be glad you did! It’s a great way to protect yourself!